Federal credit union · WHITE PLAINS, New York · NCUA charter #21231

Scf Westchester N. Y. Employees

Health score 53/100 (Fair) - from the NCUA 5300 Call Report, 2025Q4.

53
Health / 100
$1.7M
Total assets
368
Members
20.8%
Net-worth ratio

Scf Westchester N. Y. Employees - Share Insurance Coverage

The 2025Q4 NCUA Call Report puts charter #21231 at the supervisory bracket and risk-based capital level shown below. NCUSIF protection is covered in our deposit-insurance coverage note.

NCUSIF coverage gauge for Scf Westchester N. Y. Employees Share insurance under NCUSIF covers up to $250,000 per share owner. Scf Westchester N. Y. Employees holds approximately $1.4M in member shares. Composite CAMELS rating bracket 3 (Fair). Risk-based capital ratio 20.8 percent. Share Insurance Coverage Federal NCUSIF - $250K per share owner 1 2 3 4 5 CAMELS 3 · Fair RBC ratio 20.8% · $1.4M member shares Insured · backed by full faith and credit of the United States
Source: NCUA 5300 Call Report 2025Q4 - share insurance under Title II of the Federal Credit Union Act

Scf Westchester N. Y. Employees - Five Health Pillars

The five bars below are this credit union's pillar-level 0-100 sub-scores. Sum the weighted pillars and you get the headline health score above - same NCUA 5300 data, no normalisation tricks applied.

  • Capital (net worth ratio) 20.76% 30% weight
  • Asset quality (delinquency) 4.80% 25% weight
  • Earnings (ROA) -0.07% 15% weight
  • Member growth 0.55% 15% weight
  • Liquidity (loan-to-share) 34% 15% weight

Weighted composite: 53/100 - each bar is the 0–100 sub-score; the composite weights them 30/25/15/15/15.

Source: NCUA 5300 Call Report, sub-scores per PlainCU methodology (see the methodology guide)
Net worth ratio vs. NCUA well-capitalized threshold 100.0%

This credit union's 20.76% net worth ratio clears the 7.0% NCUA well-capitalized threshold set under Prompt Corrective Action rules.

$1.7M
Total Assets
368
Members
$468K
Total Loans
$1.4M
Total Deposits

Financial Health Metrics

Metric Value Weight
Net Worth Ratio 20.76% 30%
Delinquency Rate 4.80% 25%
Return on Assets -0.07% 15%
Member Growth 0.55% 15%
Loan-to-Share Ratio 34.36% 15%

Health score = weighted composite of above metrics. Scores based on NCUA 5300 Call Report Q4 2025 data. Peer group: Under $2M (243 CUs).

Historical Financials

Quarter Assets Members
2025Q4 $1.7M 368
2024Q4 $1.6M 366
2023Q4 $1.7M 333

Credit Union Details

Charter Number
21231
Type
Federal
Field of Membership
Low Income
Peer Group
Under $2M
State
New York
City
WHITE PLAINS
Data Quarter
2025Q4

What This Data Says About Scf Westchester N. Y. Employees

Charter #21231, peer group Under $2M, a cohort of 243 similarly-sized institutions: that's Scf Westchester N. Y. Employees, a federal credit union in WHITE PLAINS, New York with 368 members, $1.7M in total assets, and $468K in outstanding loans as of Q4 2025. The five-factor composite scores it 53/100 (Fair), helped by a net worth ratio of 20.76% - above the 7.0% NCUA "well capitalized" threshold under Prompt Corrective Action rules.

Deposits deployed into lending sit at a 34.36% loan-to-share ratio, below the 60% band that typically signals under-deployed capital. Loan quality, meanwhile, shows 4.80% of the book 60+ days past due - the peer group average for Under $2M credit unions sits at 4.477%, so this institution is running looser than peers. Return on assets stands at -0.07% on net income of $-1139 for the period; a not-for-profit cooperative typically runs a modest positive ROA, returning surplus to members through better rates and lower fees rather than to shareholders.

Year-over-year membership changed by 0.55%. The institution reports against the NCUA 5300 Call Report on a quarterly cadence; the figures above reflect the 2025Q4 reporting period. Membership eligibility depends on the stated field of membership (currently: Low Income). See our disclaimer for NCUSIF deposit-insurance coverage and how to use this data before opening any account or borrowing.

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Compare Scf Westchester N. Y. Employees vs SLOAN PUBLIC SCHOOLS

Sources & disclaimer

Source: NCUA 5300 Call Report, Q4 2025. Source: NCUA Share Insurance Fund (NCUSIF), federal deposit insurance up to $250,000. Not affiliated with NCUA. For informational purposes only.

Frequently Asked Questions

Is Scf Westchester N. Y. Employees financially healthy?

Scf Westchester N. Y. Employees scores 53/100 (Fair) on financial health, per the NCUA 5300 Call Report for Q4 2025. Anything above 80 is considered excellent, anything below 50 may need closer monitoring - this score reflects a 20.76% net worth ratio and a 4.80% delinquency rate.

How does Scf Westchester N. Y. Employees compare to other credit unions?

53/100 is Scf Westchester N. Y. Employees's score on PlainCU's health composite, compared to a peer group average for Under $2M credit unions, built from five weighted NCUA metrics - net worth ratio at 30%, delinquency rate at 25%, return on assets at 15%, member growth at 15%, and loan-to-share ratio at 15%.

What is a credit union health score?

A credit union health score is a composite rating (0–100) that combines five financial metrics reported to the NCUA: net worth ratio (capital adequacy), delinquency rate (loan quality), return on assets (profitability), member growth, and loan-to-share ratio (liquidity balance). Scores above 80 indicate excellent financial health; 60–79 is good; 40–59 is fair; below 40 is weak.

How can I join Scf Westchester N. Y. Employees?

Scf Westchester N. Y. Employees carries an NCUA Low-Income Designation, which typically means anyone can join regardless of employer or location, and the credit union is eligible for supplemental capital and secondary capital rules not available to standard charters. Contact Scf Westchester N. Y. Employees directly to confirm current membership steps.

Is my money safe at Scf Westchester N. Y. Employees?

Federal credit unions like Scf Westchester N. Y. Employees are insured by the National Credit Union Share Insurance Fund (NCUSIF), administered by the NCUA. Each individual depositor is insured up to $250,000, the same limit as FDIC-insured banks. Scf Westchester N. Y. Employees's net worth ratio of 20.76% exceeds the 7% threshold NCUA considers "well capitalized."

What rates does Scf Westchester N. Y. Employees offer compared to banks?

Credit unions like Scf Westchester N. Y. Employees are not-for-profit cooperatives, which typically allows them to offer higher savings rates and lower loan rates than banks. Nationally, credit unions average 0.25–0.50% lower auto loan rates and 0.10–0.30% higher savings yields. Contact Scf Westchester N. Y. Employees directly for current rates, or compare overall credit union vs bank rates on our rates comparison page.

Read our methodology - how this data is sourced, computed, and verified.

Every figure on PlainCU is rendered directly from NCUA quarterly call report data, no number is typed in by an editor. Credit union figures are computed directly from NCUA quarterly call report data, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.